St. Charles County property record for 301 N 4th St, Saint Charles, MO 63301
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,862 sqft · built 1935 |
| Lot Size | 0.046 acres (2,015 sqft) |
| Owner | Individual Name on File |
| Last Sale | $31,300 (Aug 2019) |
| Tax Bill | $2,108 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 011300A000 |
| Primary APN | 011300A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 1,862 sqft Living Area |
| Gross Area | 2,793 sqft |
| 1st Floor Area | 931 sqft |
| Basement Area | 931 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 2,015 sqft (0.046 acres) |
| Lot Dimensions | 65 ft deep x 31 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | Deck Area |
| Patio Area | 32 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 011300A000 |
|---|---|
| Street Address | 301 N 4TH ST |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2021 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AC2 |
| Legal Description | PT CITY BLK 125 |
| Legal Subdivision | CITY OF ST CHARLES |
| Legal Block | 125 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 310502 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Midtown Neighborhood Historic District listed 2014 · 537 contributing resources · NRIS 14000885 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
301 N 4th St, a duplex, is owned and occupied by an individual who acquired it in October 2023.
Source: St. Charles County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 301 N 4TH ST, SAINT CHARLES, MO 63301-2021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Aug 9, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2019 · Amount on File |
| Deed Sale | Aug 9, 2019 · Amount on File |
| Deed Document Number | 2019417090 |
| Deed Book / Page | 7120 / 1698 |
| Last Transfer Date | Oct 25, 2023 |
| Transfer Doc | 0000044282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 301 N 4TH ST, SAINT CHARLES, MO 63301-2021 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | CLEAR TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 402 MONROE ST, SAINT CHARLES, MO 63301-2833 |
| Document Number | 2021R073390 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 2021R-073390 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Aug 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 301 N 4TH ST, SAINT CHARLES, MO 63301-2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0071201700 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 7120/1700 |
| Instrument | 20190809000417100 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 301 N 4th St was $2,108, up 8.2% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $33,451 (-) | $176,063 (-) Land $45,000 Building $131,063 | |
| 2025 | $2,108.00 (+8.16%) | $33,451 | $176,063 Land $45,000 Building $131,063 |
| 2024 | $1,949.00 | ||
| 2023 | $30,072 | ||
| 2022 | $158,276 Land $45,000 Building $113,276 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 301 N 4th St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 17 (1980–2022) |
| Claims Outside the SFHA | 3 of 17 |
| Most Recent Claim | Aug 2022 · tidal / storm surge |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 301 N 4th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures